Penelitian budgeting 50/30/20 Untuk Pengelolah Keuangan
Then you start to realize the importance of finance or intend to study financial management, maybe you need to know the 50/30/20 method or rule. some people suggest taking this budgeting method training. But how effective is this method?
For now, a reminder or brief introduction for those who don't know, the 50/30/20 rule is a monthly personal budgeting method that divides funds into three categories, namely needs, wants, and future or debt. these numbers 50, 30, and 20 make up the percentage of funds that should be allocated to the three categories:
50% for general needs, including house rent and arrears, grocery shopping, utilities, and others.
30% for wishes, from tourist vacations to large expenses for example traveling, hangouts, to internet fees
20% for the future or debt, namely savings and investments or credit cards.
managing financial expenses is not an easy matter, especially for those of you who are married and have children, it will be difficult to fully record where your expenses go. For teenagers who are still unmarried, impulsive buying and hanging out can also make funds more difficult to manage. With this 50/30/20 study, you still have to manage your budget. Then, at least you can have a general view of your financial situation and not worry about an unbalanced allocation.
In this case, knowing the portion of your income and expenses can make it easier to stay on budget. for example, there is no problem of being late paying the rent for a residence because the finances are accidentally used when traveling, this is because both of them use fund allocations from different categories.
This research can understand you, especially having many sources of income and expenses. Categorizing can make it easier because you can aim to manage each type of expenditure one by one. and it can be said that this research is not an arbitrary study because the results of a very long 20-year research by one of the United States Senators.
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